I have this 84′ Porsche 944 that I bought for $3600 and spent like another $3000 on restoring the engine and upgrades. Say someone hit my car and completely totalted it, how is it decided for how much money I would get to replace that car and how would that work? I have full insurance on the car.
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A “total loss” is a financial concept. They would look in a value guide to determine what the car is worth. If it cost more to repair than it’s worth, then they’d just write it off, and you’d have to buy another one. They will pay you the value printed in a book somewhere.
Value guides work okay for a 3 year old car, but they begin to get VERY fuzzy once you start talking about a restored car, or any kind of collector’s item. For example, a 1968 Mustang can vary from $500 to $500,000 in value, and that’s a mighty big range to have to deal with.
In your case, two things to remember: 1. Sunk cost has nothing to do with it. Nobody cares how much you spent on it. 2. If you don’t think the values you can find documented are accurate for your car, you may want to talk to your insurance agent about this. There are some differences between collector car insurance and regular car insurance, and at some point with an old car you may want to switch over.
OUCH! The insurance will verify the CURRENT market value of the car and compare it to the price other models like yours are selling for NOW. The insurance will cover only original parts…NOT aftermarket or “bonus” parts you put in.
The insurance company uses the Kelly Blue book value and whatever receipts you can provide for the restoration costs.
They will pay you market value> Unless you make a price difference with them on replacement cost Or accrual cash value>
If you have regular insurance then they give you blue book value (KBB.com) or average resale value based on your area whichever is greater. You can purchase SPECIAL insurance where you specify the dollar amount of coverage, this of course costs a lot more.
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Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.
Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.
Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.
This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.
Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.
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